Notice my money deduct at small amount from my maybank account, It wrote

SALE DEBIT MOBIPHIX INC * MISSISSAUGA, C
SALE DEBIT RIVERNETWORKCHARITY CROMFORD G

Dunno how my account got unauthorized transfer or usage, already b40, now kena scammer like this, any advice for this situation? Last time I kena is paypal, money can get back, but this time direct from bank account

UPDATES

12 AUG 2025




1. Transfer remaining balance to tng
2. Disable Debit Card E-Commerce Activation

13 AUG 2025
1. Hit kill switch
2. Report police
3. Go maybank replace card and file dispute form
4. Email dispute form to disputemgmt@maybank.com.my

14 AUG 2025
1. This morning get this


2 SEP 2025
Surprised see the money is returned to unker although the amount lost is little only. Unker actually ady move on. Just share to ktards that report police and file dispute actually has chance to get back the money despite the low amount


This post has been edited by heinlein: Sep 2 2025, 08:28 PM

Phone subscription? Better report to bank if bank no refund without good explanation oe ability to prove negligence lippt BNM

need to report police too right?

Did you use your bank's ATM card as debit card to buy something online before? The card details could have been hacked or leaked

This post has been edited by yeeck: Aug 12 2025, 11:06 PM

I only use for grocery buy things, really almost never do online subscription, if buy things online also use shopee spay most of the time

Just contact NSRC hotline 997 and try luck. Police can lipot but more work la I feel NSRC can help u as well.

https://www.bnm.gov.my/-/asset_publisher/Qi...ontent/scam-a-1


They are a new initiative by BNM but first move always always call bank.

This post has been edited by lordgamer3: Aug 12 2025, 11:09 PM

Never use bank debit card to buy anything outside or online.

Your link redirect me to https://www.bnm.gov.my/home but where should I report? what is NSRC?

National Scam Response Center. The shotline is phone number 997. I dunno why the link i share doesn't direct u there but to bnm main page but HLB got some literature.

https://www.hlb.com.my/content/dam/hlb/my/d...nsrc-faq-en.pdf

You can Google about this as well. Hope this helps and may you recover your money from those Nasty bastards.

This post has been edited by lordgamer3: Aug 12 2025, 11:15 PM

The payment never go tru secure2u one

Now in panic mode, kenot think straight

check with bank? what they say?

Not yet, just notice the unauthorized transfer around 11pm, then i check statement, got another transfer on 8 Aug, tomorrow will go lodge police report and go bank directly see how. Now money also not safe in bank

This post has been edited by heinlein: Aug 12 2025, 11:35 PM

Never use bank card for anything other than taking money from atm

take money and grocery only, not even online purchase

file dispute charge to your relevant bank

make police report also

since it is debit, try your luck can get back or not

your transaction look like foreign one, should be able to get back but u need proof u didnt do the purchase



long long long long time ago happen to my father credit card, half of it from foreign purchase, lucky can revert it but need file dispute charge, police report and wait 1 week

ya, tomorrow take EL to settle this shit, sien, the scammers better all die, too many of them

how much is the damage?

btw if you google RIVERNETWORKCHARITY its in the UK

Do you remember when was the last time you login your accounts detail outside your phone/pc? Sounds like your account has been compromised.

When did the transactions occurred? If it's just recently then call bank immediately and tell them to activate kill switch

how much was it charged?

just to have an idea what amount are we talking here.

big money or small money is also money.

I've had this happened to me twice (Maybank as well).

Background:


Anyway, if you didn't press the kill switch for that card on MAE as soon as possible as you get the notification for the transaction, then that money is your tuition fees for this unfortunate lesson.

After the kill switch, go to your nearest Maybank branch and tell the people at the counter and they'll guide you through the process and how to fill up the forms. It's a relatively quick process receiving a new card although you'll need to create a new MAE account. Do remember to screenshot or print the transaction history because you'll need the details of the unauthorised transaction for the dispute form.

Honestly, I don't know if the dispute form helps besides documentation because it's been 3 years since it first happened to me and I've not received that money back which I kind of expected. However, the 2nd time it happened, I pressed the kill switch immediately and thankfully, the transaction didn't go through.

If I recall correctly what the branch manager told me, transactions made on these overseas websites don't have 3DS authentication that we have for transactions. That is why they're able to bypass the 2FA of MAE because they already have your card details; they don't need the Secure2U code.

Can use Apple pay / Samsung pay for NFC card payment, it's safer with Tokenization and one time encrypted code for transaction which never expose the real card numbers to POS terminal.

Ya, it's Uk and the other one is Canada

I only use my own pc and phone to login my bank but the transaction seems come from debit card online purchasing



Total damage is RM12.85, the amount is little so might be funny for you guys. I put my money somewhere else and always topup my maybank on weekends for grocery purchase and cash withdrawal at atm.

I didnt receive any notice from sms or whatsapp, I notice money deducted when i just randomly open my maybank app and surprised why my money deducted. Just turn on kill switch at 6.20am just now. I only transfer the remaining balance to my touchngo and deactivated the online e-commerce something immediately when i notice the unauthorised transaction

I think the problem is the card info, i wonder if i didnt have debit card, the unauthorized transaction might not even occur but that will be very inconvenient

Nowadays, you can block overseas transactions on the app. Fraudsters often test which cards are active by making small transactions.

I recommend prepaid card like Wise if you want to use it for grocery buying at supermarket. You can even link it with your Apple/Google wallet so you can just tap your phone to pay like you tap your card

Overseas transaction is blocked long time ago. Its the e-commerce online function not blocked, I block it after transfer remaining balance and block the online e commerce function

I was thinking if I want to take debit card after this. I can use cardless withdrawal although I never try it before

Now at police station, only me make lipot but keep waiting my number only

This post has been edited by heinlein: Aug 13 2025, 09:29 AM

read the green one, it's refunded to you

First thing you should do is call bank to stop further transactions. Or use kill switch in the app.

One of them is refund

Ady tekan kill switch

Unker use T20 banks only

Final charge is the RM5.73. Overseas payment are usually shown like this in Maybank statement, for example:

01/01 Payment RM6
03/01 Pre-Auth Refund RM6
03/01 (actual) Payment RM5.98 - will be few cents +/- off due to adjust in exchange rate

I went to China last weeks and made some payments there with my debit card, this is how it showed in my Maybank statement:

if you regularly purchase online or pay with debit card, you'll find its normal to have PRE-AUTH REFUND status

doesn't mean its OK, still need to check the payment is legit or not

This post has been edited by mi-g: Aug 13 2025, 11:00 AM

HSBC?

Now dun dare use debit card so much liao, mostly is online fraud and unauthorized transaction

Ady done report police and go bank replace card and file a dispute form, need sendiri scan and email to dispute department later when back to office
Better turn off this two thing if use debit card, better safe than sorry



This post has been edited by heinlein: Aug 13 2025, 12:12 PM

better go bank lipot or stop all transactions first looooo
first they test water small amount, then later bigger amount withdrawal...... doesn't matter how small the amount, go bank lipot n remembered they will issue you a new card.

this kind of mindset is so wrong.


We all paid for our stupidity.
Stupidity is not innocent.


Your Card Info being phish, stolen, or you had become victim of social engineering.
That is not Bank responbility.

Your Stupidity is never innocent.
You need to pay.

ady done lipot police and replace card and dispute form, later need to email dispute form

You assume i did the stuff above and yet I didnt do a thing

Dude as I said if the bank can't proof due to your own negligence you should ask BNM to get a refund.

Stolen credentials is a thing involuntary due to system lapses on FI side. Go read up.

you see..

this is exactly what i said.


Yet i didnt do a thing.
Yah. You didnt.



Very simple thing people never understand.
If there is a security break within BANK SYSTEM.

there will be million of victim across nation.
Money involved would be astronomical.


The problem is, you dont even notice you already did something wrong, or did not do something needed.


Never mind. I am wrong.
You cant save 1GB file into a CD-Disk. over limit.
You wont understand.

Dude.

why bank need to prove that???
Do you know how banking system OPERATE??


BANK ONLY NEED TO PROVE. THE TRANSACTION IS AUTHORIZED DIGITALLY.


You can buy something from a "honest-looking" website, apps.
But your transaction can be disguise as "Pre-auth, Pre-approved transaction" and send to bank.

Which you buy once. but they can use that auth to keep charge payment on your account.


Digital World is full of trap.
All user must be vigilant.

Authorised digitally by who? If someone find a loophole in the banking app or system and execute a script or bug so the onus falls on which party? There is a certain bank where its system.compromised any many users data and perform unauthorised rapid txn . This was not due to user negligence.

This post has been edited by lordgamer3: Aug 13 2025, 01:06 PM

see, you still cannot understand.


The only loop hole is the USER.


if i can found loop hole breach into Bank System.
you think i only select few B40 poor soul as VICTIM??????????????


Why not target those with Million in bank??

why scam only RM26.28 for few transaction????????????????



Nope. High network individual proven very vigilant with their Digital/Physical Auth.
In otherhand, certain group are like "white paper" easy target.

Database breach on bank part . Rapid multiple txn in succession involving many customers same time frame. So how bank want to prove Digital and Physical Auth?

😀

there is only 1 bank in Malaysia cannot be trust.

And they famous with that.

I cant say its name

But let me tell you, i dont believe is hack. thats bank internal Job, running yearly to cover losess.


only this bank, every year has this
" Multiple low amount fraud transaction across thousand customer "


So, still user problem.
why?

EVERY YEAR HAPPEN, but they still STUBORN WANT TO PUT MONEY INTO THIS BANK

AND THIS BANK has superpower that not even BNM can touch.

you are too naive.

nowadays there are gadgets that people can carry, walk past you, and steal your card details.

most times, if you didn't commit the transaction or pass your cards to someone else, the bank will be responsible for the unathorized spending and credit it back to customer.

gadgets?

i had those gadget on my table.

AKA Credit card terminal.
Visa wave your card.


Is nothing special.

You VISA/MASTER card that ready to PAYWAVE.

All had this kind of risk.

Example, my wife take my card go pay bill at restaruant.
Legal or Illegal Transaction???


The only few case i think is bank responsible = Identical Duplicate Card that can verified as true auth.

Nowadays, it’s generally very safe, it’s just TS’s own negligence. There’s actually “off” button above. It’s like leaving your house’s grill door opened and a thief taking the opportunity to come in.

And also can set card limit so even millionaires are safe.

I believe Debit card e-commerce activation are set to enble by default. This setting cannot be access from app itself. I dun think anyone will deliberately find it and turn it off, I share to everyone so people are aware of it. The debit card e-commerce by itself is too vague to know what it does unless you specifically google it

The chance of a skimmer on the card reader is higher than using pay wave.

i kena before with my CIMB debit card. immediately go bank and fill up dispute form.

but around 2-3 weeks later baru dapat refund the money.

me also never use the card for any online transaction. just to withdraw ATM only

After fill dispute form, need to scan myself and email to disputmgmt@maybank.com.my, very weird procedure, I only can wait and see if I manage to get refund, better disable online purchase with debit card if you can set it in your cimb setting

Kena before post 4503 , 3 days later refunded https://forum.lowyat.net/topic/5416294/+4500

This morning get this instead


always happen in my sleep and even kill switch and change new card still like this

this one already too late, it's the first RM7.12 from your first post, last transaction (top)

now you have to wait for dispute with your bank for the RM7.05 and the RM5.73

you sure no one had touched your devices before or anything? don't have any 3rd party apk installed in your phone, and have you done changing password as well?

wah
uncle need to change new phone already

I always hold tight to my device, only install app from google store, havent change password if you mean my maybank2u

Edit: maybank2u security change password cacat one, cannot change even i approve secure2u

This post has been edited by heinlein: Aug 14 2025, 09:38 AM

Sien, no money change, you buy for me as present

unker can jio other /k member here who wants donasi to you

you comfort me la if kenot buy new phone give unker

Just cancel that debit card and insist bank give u ATM card without debit card function. Not sure if still possible or not.

Or if get replacement debit card, disable oversea and ecomm spending from the start.

cancel and replace le, also disable oversea and e-commerce too, still feel insecure

TS already get back money?

Yes，last night just got it back and just update the tered. I ady give up and move on til suddenly saw money returned.

I wish credit cards can disable all these overseas & eCommerce transactions too at the website

This post has been edited by N9484640: Sep 3 2025, 09:35 AM

credit card cannot disable those functions? Last time I only disable overseas transaction cuz i never travel oversea, mana tau e-commerce also need to be disabled to prevent this misfortune from happening

Can... it is whether the bank's mobile banking app is user friendly or not.

Below screenshot of CIMB mobile banking app, cimb OCTO.


Debit Card... activation/deactivation
- Contactless Payment. (This is pay wave at cashier.)
- Card-Not-Present transaction. (This is online purchases.)
- Overseas spendings & withdrawal.


Credit Card... activation/deactivation
- Contactless Payment.
- Overseas spendings & withdrawal.

For credit card, there's no card-not-present activation/deactivation, but the transaction can be disputed and cancelled.

I have to disable on maybank website, the app doesnt have the disable function

I oredi disabled my paywave feature for DC and CC. Required pin input for transactions.

When I was overseas last month, paywave failed. When the cashier cucuk the card, it automatic approved without pin input 😭

Lodge a report with the bank and till today no news. Should have disputed the transaction and get refund and free gift... lol.😅

Paywave can be disable meh? I didnt see this option in my maybank website leh? Which bank you using?

HLBB and PBB ... call CS.

When I lose my cards, I no worry other will use paywave.

This post has been edited by mini orchard: Sep 3 2025, 12:17 PM

I want to disable also, now I switch to tng app to buy grocery le

For cimb, they have moved many things from website to the mobile app. Mobile banking app is more suitable for mobile users, all the images and webpage fit into the small screen.

maybank still so outdated, what the software dev and R&D doing? Makan gaji buta ke?

Get a credit card and wave it. No need so troublesome using phone/app.

When you use the card often, you will immediately notice if it goes missing. Report and get new one in the mail.

Biggest bank in the country.

I have a bank of china debit card. Its mobile banking app oso okay.

(Since the card is unionpay, not visa or mastercard, good for some places in china where they have only unionpay.)

Set contactless limit to 0

My OCBC card now can't paywave for unknown reason, maybe got touched by water or something, can't paywave but only insert+PIN to use it

lucky damage small

maybank really just indah khabar dari rupa leh. Still so outdated, china bank macam high end but their interface so many things clutter together

Contactless limit to 0, then still can use insert + pin right? later back home set it, dun want set it in opik pc